Thank you for using ’s website. Access to and use of ’s sites are provided subject to the following Terms of Use:

These Terms of Use apply to this website, and . In addition, owns several other domain names that point to this site, and we will from time to time add new sites (collectively, “we”, “us” or “our” websites”) that may or may not be listed in the Terms of Use.

PLEASE READ THESE TERMS OF USE CAREFULLY, AS YOUR USE OF THIS SITE, ITS SERVICES AND ANY OTHER SERVICES CONSTITUTES ACCEPTANCE OF THESE TERMS OF USE AND THE PRIVACY POLICY POSTED ON THIS SITE WHICH TERM AND CONDITIONS ARE INCORPORATED HEREIN AS THOUGH FULLY SET FORTH BY REFERENCE. BY ACCESSING OR USING ANY PART OF THE WEBSITE OR THESE SERVICES, YOU ACCEPT, WITHOUT LIMITATION OR QUALIFICATION, THESE TERMS OF USE. IF YOU DO NOT AGREE WITH ALL OF THE TERMS OF USE SET FORTH BELOW, YOU MAY NOT USE ANY PORTION OF THE WEB SITE OR THESE SERVICES.

may, in its sole discretion, modify or revise these Terms of Use at any time by updating this web page. You are bound by any such modification or revision and should therefore visit this page periodically to review the terms. is a fictitious business name of Find Your Customers, Inc., registered in Travis County, Texas. All references, protections, benefits and limitations of liability set forth in these Terms of Use and applicable to apply equally to Find Your Customers, Inc.

1. NO FINANCIAL ADVICE; RISK
We do not provide tax, legal or investment advice. Debt or credit related services may or may not meet your needs, and may involve risk. The fact that services are offered as an alternative to bankruptcy is not meant to imply that bankruptcy is not the best option in some cases. After enrolling in a non-bankruptcy debt relief program, creditors may continue debt collection efforts, including phone calls, letters, late fees and other charges, interest rate increases, collection agency referrals and lawsuits. In many cases your debt will increase before it decreases. Your credit score may be adversely affected. Debt forgiveness may in some cases need to be reported as taxable income. Lawsuits may result in wage garnishments. does not guarantee the safety or legality of the information provided or the products and services offered. You should exercise as much caution as you would typically exercise with any purchase of products of services. The above is not intended as an all-inclusive list of risk or a substitute for independent legal or financial advice. Always seek advice from qualified advisors, and read and understand all enrollment materials carefully.

The information contained at our website and/or any advice or comments made by any agent or employee of are intended only to educate and assist clients, applicants, visitors, and the like, in various areas of finance, including credit and debt management. This information is provided for informational purposes only and is not meant to be a substitute for professional counseling and advice from certified legal or financial professionals.

2. SERVICES

provides a matching service that allows you to input your information once and receive quotes or calls from multiple people/organizations to provide you a convenient, fast method for evaluating your options and making informed decisions relating to a particular service that is being advertised. We do not offer or provide these counseling or financial services, and there is no charge to consumers for the use of our matching service. By using this service, you expressly waive any claim against us relating to the quality of any services we match you with, and understand that we are not responsible for the quality of any services you ultimately select.

By using our service and providing your personal contact information, you agree that one or more of the companies you are matched with may contact you by email, telephone, mail or other methods of communication. You request and expressly consent to receive such calls from up to seven independent providers of the services we match you with, regardless of whether your contact information appears on any federal or state No Call Registry. Your information may also be sent to other service providers who may also contact you independent of us.

We seek to connect consumers with companies that provide a variety of debt or credit-related services. Statements relating to potential results from these services may apply to one type of service but not another. None of these services assume or pay your debts for you. With the exception of the initial consultation, debt related services are not free. Not all consumers may be eligible for debt reduction.

Any financial or other relationship entered into between you and any third party that arose from information received or accessed through this website or is solely between you and the third party. is not a party to your agreements and you assume sole liability for any such agreements. We are not responsible for any transaction that may occur between you or your company and a client.

The providers are from companies or industries that may require licensing, bonding, registration or other prerequisites in order to lawfully do business in your state. We encourage you to check with the appropriate agency to be certain any requirements are being met. Individual program fees and results vary, and programs may be unavailable in some states.

The vast majority of our clients provide credit counseling, debt management and/or debt settlement or negotiation programs. Debt settlement or negotiation is therefore the most likely solution that you may be offered by providers with whom you may be matched (although matching is dependent in large part upon the unsecured debt amount listed in your submission). The fact that you are matched with a provider that offers you a particular solution should not be intended to suggest that the solution is right for you, or that endorses any particular provider or solution. You are strongly encouraged to consult with an attorney and/or a qualified financial advisor prior to making any decision that could have significant legal or financial consequences to you.

Should you have a dispute with any of ’s suppliers/vendors that you are matched with, you must address such dispute to the supplier/vendor directly, and by using this website you hereby agree to release (and our employees, agent, and affiliated entitles if any and their employees and agents) from any damages or claims (including consequential and incidental damages) of every kind or nature, suspected and unsuspected, known and unknown, and disclosed or undisclosed, arising out of or in any way connected with such disputes and your dealings with individuals or organizations.

We value our integrity and as a company and individuals, we are committed to providing you with a positive experience. If for any reason, you are not completely satisfied with our service, please call us at: or email customerservice@ to discuss your concerns.

3. YOUR USE OF SERVICES
You agree that by entering your personal information and submitting it to , you are entering into a business relationship with , requesting that it distribute your information to its contracted marketing partners, and you expressly consent and request to be contacted by , its employees, representatives, agents and third party contracted vendors with promotions and offers relating to your request for financial and counseling assistance even if the entered telephone number is currently on a federal, state, or wireless Do Not Call list. By submitting your personal information, you expressly consent to be contacted by and it’s contracted marketing partners. It is expressly understood that these contacts, telephone calls, emails, letters, and faxes are being made pursuant to your request for such communications. These contacts are necessary so that that we may provide the services set forth on our site that you requested, to service your account, to reasonably address matters pertaining to your account or for other reasonable purposes related to our business.

It is agreed that your use of services is for debt relief purposes and not for any other purpose including advertising or competitive intelligence. You acknowledge that screens your requests and has the right (but not the obligation) in our sole discretion to deny any request that is in violation of these Terms of Use.

If it is determined or suspected by in its sole discretion that you are misusing or attempting to misuse or circumvent the services or system, or are using or attempting to use it for any inappropriate purposes, including but not limited to activities such as hacking, fraud, advertising, cartelling or spamming, reserves the right, in its sole discretion, to immediately terminate your access without notice and to instigate without notice appropriate legal actions or proceedings to seek appropriate remedies and/or damages, including but not limited to lost revenue, repairs, legal fees, costs and expenses, and to seek injunctions or other equitable remedies.

In this connection, you acknowledge that if you violate your obligation hereunder not to cartel (i.e., if you use our system as part of an attempt to solicit or sell leads to our clients), in addition to all other remedies available to , we will it be entitled to liquidated damages in the amount of $50,000. You agree and acknowledge that these liquidated damages are a fair and accurate estimate of ’s actual damages resulting from a breach of this provision and shall not be construed as penalty or punitive damages against you.

4. INFORMATION YOU PROVIDE TO US
When using services, you will be prompted to disclose certain information about yourself and your personal situation. This information will be sent to matching individuals or organizations which will need this information to respond to you. You promise that you will only complete a quote request for yourself. You promise that you are at least 18 years of age. You promise that all information you provide will be accurate, current and truthful to the best of your knowledge. If you provide any information that is untrue, not current or incomplete, or has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, has the right to refuse you any current or future use of the services. You are responsible for any use of the services by persons to whom you intentionally or negligently allow access to your password. Your acceptance of these Terms of Use indicates that you expressly consent to our use and disclosure of your personal information in accordance with our Privacy Policy.

5. YOUR USE OF CONTENT
also provides content including but not limited to text, software, photographs, graphics, data, and other material ("Content") that are protected by copyright and other laws in both the United States and elsewhere. The Content includes both content owned or controlled by the and content owned or controlled by third parties and licensed to . authorizes you to view and download a single copy of the Content on the site solely for your personal, non-commercial use. You may not sell or modify the Content or reproduce, display, publicly perform, distribute, or otherwise use the Content in any way for any public or commercial purpose without the written permission of . As a condition of your use of this site, you warrant that you will not use this site for any purpose that is unlawful or prohibited by these terms, conditions, and notices.

Use of Content for any other purpose is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

6. LINKS TO THIRD PARTY SITES
There are links in the web site that will let you leave 's web site. The linked sites are not under the control of and is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by of the site.

7. UPGRADES, SUPPORT AND NOTICES
From time to time, may send you information and offers about upgrades, documentation, special announcements and other services offered by . You acknowledge and agree that has the right to do so. If you do not wish to receive these communications, you can choose to opt out of these communications by changing your notification preferences as described in our Privacy Policy. Notwithstanding the foregoing, under no circumstances will or any of its individuals or organizations have any obligation to provide you with upgrades, enhancements, modifications, or support for the Services provided. You understand and agree that it is your responsibility to inform of your choice not to receive emails or other contact from it. If you do not, will assume that you want to receive such, and will continue to send such to you, in its sole discretion.

8. NO WARRANTIES
does not fully evaluate any company, organization, or individual, or their respective offers, that are accessible through this website. While we use some care in selecting our associates and affiliates, we make no express or implied warranties or representations, nor are we liable for direct, indirect or consequential damages arising in connection with respect to the programs, services or any products accessed through this website.

THE WEB SITE, INCLUDING ALL CONTENT MADE AVAILABLE ON OR ACCESSED THROUGH THE WEB SITE, IS PROVIDED "AS IS". TO THE FULLEST EXTENT PERMISSIBLE BY LAW, MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE WEB SITE. FURTHER, DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE WEB SITE OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEB SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SHALL NOT BE LIABLE FOR THE USE OF THE WEB SITE, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN. IN NO EVENT WILL BE LIABLE UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY FOR ANY LOST PROFITS, LOST DATA, LOST OPPORTUNITIES, COSTS OF COVER, EXEMPLARY, PUNITIVE, PERSONAL INJURY/WRONGFUL DEATH, SPECIAL, INCIDENTAL, INDIRECT OR OTHER CONSEQUENTIAL DAMAGES, EACH OF WHICH IS HEREBY EXCLUDED BY AGREEMENT OF THE PARTIES REGARDLESS OF WHETHER OR NOT EITHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

If any part of these warranty disclaimers or limitations of liability is found to be invalid or unenforceable for any reason, then our aggregate liability for all claims under such circumstances for liabilities that otherwise would have been limited, shall not exceed the greater of fifty dollars ($50.00) or the amount paid by you to for your use of any services.

You agree to indemnify , and its subsidiaries, affiliates, officers, employees, agents, and co-branders and hold them each harmless from any and all claims or demands, including attorney's fees, made by any third party due to or arising from your use of the services or connection to the web site or your violation of the Terms of Use, or arising from your violation of any rights of a third party. The Terms of Use will inure to the benefit of 's successors, assigns and licensees. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. The failure of to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services or the Terms of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in the Terms of Use are for convenience only and have no legal or contractual effect.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and as a result of this agreement or use of this Web site.

9. GOVERNING LAW
The laws of the State of Texas shall govern this Legal Statement. YOU HEREBY EXPRESSLY CONSENT TO EXCLUSIVE JURISDICTION AND VENUE IN THE COURTS LOCATED IN AUSTIN, TEXAS FOR ALL MATTERS ARISING IN CONNECTION WITH THIS LEGAL STATEMENT OR YOUR ACCESS OR USE OF THE WEB SITE OR THE SERVICES.

10. INTERNATIONAL ACCESS
Our website is provided from the United States of America and all servers that make it available reside in the U.S.A. The laws of other countries may differ regarding the access and use of the website. We make no representations regarding the legality of this website in any other country and it is your responsibility to ensure that your use complies with all applicable laws outside of the U.S.A.

This agreement constitutes the entire agreement between you and with respect to this site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between you and with respect to this site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.